Muoi Chea is an experienced Bankruptcy Attorney in Sacramento, Stockton, and Fairfield, California, providing Chapter 13 Bankruptcy and Chapter 7 Bankruptcy representations in Bankruptcy Courts at Sacramento, CA and Modesto, CA for over a decade.

Muoi Chea Bankruptcy Attorney has a very strong record of successfully helping consumers and small business owners eliminate or restructure their debts.

If you are facing foreclosure, wage garnishment, IRS tax levy, car repossession, or creditor’s lawsuit or harassment, Muoi Chea is a Bankruptcy Lawyer who has a long track record of successfully providing debt relief for hard-working residents throughout all of Northern and Central California.

This Bankruptcy Attorney Office is not a mill. I will personally handle your case from start to finish. I, personally, will take the time to answer your questions during the consultation and over the phone. You are being represented by me and no one else.

When you come in for a consultation in either Bankruptcy Attorney Offices in Sacramento, Stockton, or Fairfield, CA, I will explain your options under the Bankruptcy Law as well as Bankruptcy alternatives.

Everyone needs a second chance. Whether you are facing foreclosure or accumulated debts because of illness or lost wages, bankruptcy can give you the second chance that you need to regain control of your life. Most people do not know that medical bills and lost of income are the main reason why people file for personal Chapter 7 or 13 Bankruptcy. Everyone at some point in their life find themselves in a situation that is beyond their control. Stop blaming yourself and look for a solution for your debt.

You would be shocked at the number of people who filed for bankruptcy throughout Sacramento, Placer, Yolo, San Joaquin, Stanislaus, Yuba, and Solano county California. Most likely you know someone who filed for either Chapter 13 Bankruptcy or Chapter 7 Bankruptcy but they did not tell you. Inaction and delays can only make your situation worse, especially when you are facing imminent foreclosure, wage garnishment, and lawsuit from creditors. It is time to put an end to your financial problems and get a fresh start.

When you come in for your consultation in the Sacramento, Stockton, or Fairfield CA Bankruptcy Attorney Offices, I will go over your personal situation and explain how bankruptcy may affect each of your debts and assets. I will not recommend bankruptcy unless you need it. My aim is to provide the very best counsel to my clients, and I will be as objective as possible about your options.

At the end of the consultation, if you decide that Bankruptcy is the right option for you, I will quote you a reasonable fee. You are under no obligation, and whatever you decide, my advice to you during the consultation is free. My fees are reasonable because I sympathize that you are struggling financially and are seeking debt relief. That is why I also offer Payment Plans so that we can begin the road of recovery together quicker.

What is Chapter 7 and 13 Bankruptcy and how can it help me?

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is also known as “liquidation”, which can be used to wipe out credit cards, unsecured loans, medical bills, deficiency from repossession or foreclosure. Click on Chapter 7 Bankruptcy for more information.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy is also known as “reorganization”. If your income is determined to be too high for a Chapter 7 procedure, but you are facing foreclosure on your home, wage garnishment, car repossession or tax debts or tax levy, Chapter 13 bankruptcy can help give you some breathing room. Chapter 13 bankruptcy can also eliminate your 2nd and 3rd mortgages or equity line of credit on your house. Click on Chapter 13 Bankruptcy for more information.

The general answer is yes. Whether a Chapter 13 Bankruptcy or Chapter 7 Bankruptcy will be a better option will depends on the following: (1) is the tax a priority or nonpriority debt; (2) do you qualify for Chapter 7 Bankruptcy; (3) do you have nonexempt assets; (4) do you prefer

Some of my Chapter 13 Bankruptcy clients ask if after they file for Chapter 13 Bankruptcy, are they stuck with the plan payment even if their income is reduce? The answer is generally no. Chapter 13 Bankruptcy plan payment is based on a formula involving nonexempt assets and disposable income after

I get this question a lot from clients so I thought I briefly address it in this Bankruptcy Blog. A quick answer is no if the Third Party does not have community property with the person who received a discharge in Bankruptcy. The Bankruptcy Discharge eliminates the personal liability of the

Over the years, I get a few clients who told me that they didn't expect a wage garnishment because the creditor who sued them did not attempt to collect from a judgment for over 8 years. First, they ignore the threatening letters. Then, they ignore the service of the summons and complaints

Why Should I File a Chapter 13 Bankruptcy instead of a Chapter 7 Bankruptcy? Some of my clients said that their friends said that Chapter 7 Bankruptcy is the best bankruptcy to file. Not so fast. Although a Chapter 7 Bankruptcy does not involve a payment plan, Chapter 7 Bankruptcy might

What are the Qualification for Chapter 13 Bankruptcy? 1. Debt Limitation. You can have so much debt to qualify for Chapter 13 Bankruptcy. As of 2018, the current debt limitations are as follows: $1,184,200 for secured debts and $394,725 for unsecured debts. Secured debts are debts that are secured by collateral

The Means Test acts as a gate keeper for those who want to file Chapter 7 Bankruptcy, which determines your ability to repay your creditors. However, there some groups that are not required to take the Means Test to qualify for Chapter 7 Bankruptcy. Here are some examples: 1. Your Debt

The purpose of the Means Test is to keep high income earners away from Chapter 7 Bankruptcy and into Chapter 13 Bankruptcy. However, some high income earners do qualify for Chapter 7 Bankruptcy depending on their expenses, such as high mortgage, high out-of-pocket medical expenses, backed child support, etc. Basically, Chapter 7

One great advantage of Chapter 13 Bankruptcy over Chapter 7 Bankruptcy is Debtor's right to possess assets that are not protected under the California exemptions. Under a Chapter 7 Bankruptcy, the trustee can liquidate or confiscate assets that are beyond the protection of the California exemptions. You can only have so

A secured debt is a loan that is secured by a collateral so that if you default on the loan, the lender can repossess the collateral. Car loan, mortgage and auto title loan are some examples of secured debt. An unsecured debt can become a secured debt. For example, a credit

Is there Automatic Stay protection for Debtor when there are Multiple Bankruptcy Filings? First, it depends on whether the prior bankruptcy case was dismissed or successfully discharged. If the prior bankruptcy case was dismissed, is the current bankruptcy filed within 365 days from the date of dismissal of the prior bankruptcy

Upon filing of Bankruptcy, Automatic Stay takes into effect to prevent most creditors from collection attempts. However, there are some exceptions or limitations to automatic stay such as multiple bankruptcy filings and dismissal(s) within 365 days, etc., which will be discussed in a different blog. Automatic Stay in Chapter 13 Bankruptcy

In a 2015 bankruptcy case reviewed by the Bankruptcy Appellate Panel for the Ninth Circuit, debtors can strip off a wholly unsecured junior lien from their home even though they are not entitled to a discharge under Chapter 13 Bankruptcy. Boukatch v. MidFirst Bank (In re Boukatch), 533 B.R. 292. Debtors

Only a person that resides or has a domicile, a place of business, or property in the United States, or a municipality, may be a debtor under the Bankruptcy Code. 11 U.S.C. § 109(a). However, this is insufficient to qualify for each Chapter of Bankruptcy. Eligibility for Voluntary Chapter 7 Bankruptcy

When my clients tell me that they have not paid the junior lien on their home (aka second mortgage, home equity line of credit, home equity loan) for years, they always become wide-eyed when I tell them that the junior lien can foreclose on their home. A lot of times, the

Disclose all assets in your bankruptcy petition. Not only do your risk your losing your bankruptcy discharge but you may be subject to criminal penalties. Bankruptcy fraud is a serious crime, it can result in fines up to $250,000 or imprisonment for up to 20 years, or both. Even if your

If you do not qualify for Chapter 7 Bankruptcy or Chapter 7 Bankruptcy cannot resolve your financial problems, Chapter 13 Bankruptcy may be an option for you. First, what are the qualifications for Chapter 13 Bankruptcy. Unlike a Chapter 7 Bankruptcy, Chapter 13 Bankruptcy does not have an income restriction nor

This website is for informational purpose only and is not intended to take the place of consulting an experienced bankruptcy attorney. Bankruptcy is complicated and there is no cookie cutter formula that works for every case. Every topics, scenarios, and rules cannot be covered in a website. You should consult an experienced bankruptcy attorney if you have financial problems.